commanded his ship to do it's a great lesson for central bankers who in their attempt to break the laws of physics have entered it time and space sucking whatever generation is left out of the bond market combine that with credit expansion excuse me combined that credit expansion with a more holistic view looking at global resource depletion and population growth and what are we looking at in terms of life after ludicrous speed well joining me now is chris martin said with his answer to that question he is author of the crash course and he joins us now thank you so much dr martens and for being on the show today lauren it's my pleasure it's our pleasure to have you let's start with consumer credit because it was up for august more than forecast more than expected do you take this as a sign that consumers are really going to lever up again and the fed may be successful in reflating. you know a lot of that is being driven by the student at this point i don't think september and october or unusual months to see those student borrowing i don't know if it is doing everything they can to get